Hi, I have ATT unlimited plan with iPhone 5s. I see the 64gb iPhone is $749 full price vs. $25+ a month on ATT Next plan(I think this is what apple site is stating). ATT site states $28.33 per month for iPhone 6 on Next plan. Will I lose unlimited if I switch to ATT Next plan? My wife has iPhone 4s and I am planning on giving her my 5s. What are the benefits of paying outright vs. Next ATT? Is the only benefit that you keep the phone and can sell it at any time after? Will my monthly bill be lower? And is the phone unlocked when you pay full price? And is the benefit of Next plan that you are getting a loan(some said 10% APR) on the price of the phone but don't get to keep it if you only pay for one year? I am planning on pre-ordering and just want to clear things up since ATT not offering contracts anymore. Thanks.